Start fattening your piggy bank
The same rule that applied when you were 5 years old still applies today: Save, save, save, even if it's just a few pennies at a time.
When you're still getting established in your career, and paying down debt and planning major purchases such as a home or car, saving can be especially difficult.
The trick is to set aside that savings into your budget before you get accustomed to spending it every month. Setting up a direct deposit into a 401(k) or emergency savings account will reduce the temptation.
"If you can begin getting in the habit of saving part of your paycheck, particularly before it ends up in your pocket, it makes it easier to increase that once you get a handle on your student loans," Weiss said.